Seacoast Banking of Florida (SBCF) investor relations material

Strategic footprint and market position

• Maintains a strong presence in Florida's most attractive markets and recently expanded into Atlanta, GA, with 105 branches and a top-15 Florida market share.

• Holds #1 Florida-based bank status in Orlando MSA and 12 counties, with leading market share in Port St. Lucie and Wildwood-The Villages MSA.

• Deposit franchise is concentrated in MSAs projected to outpace Southeast and national population growth, supporting durable organic growth.

Growth strategy and performance

• Balanced growth strategy leverages a top-tier banker force, strong brand, and robust capital for organic growth and opportunistic acquisitions.

• Loan growth post-VBI acquisition averaged 10.9%, with commercial loans up 8.4 points and residential loans up 2.4 points.

• M&A strategy has driven an 18.3% CAGR in assets since 2014, with consistent value creation and market share gains.

• VBI acquisition exceeded expectations, expanding the low-cost deposit base and establishing a primary banking partnership in The Villages, a fast-growing, affluent community.

Financial highlights and outlook

• Q2 2026 net income was $59.5M ($0.55/share), up 87% from prior quarter; adjusted net income was $65.8M ($0.61/share).

• Net interest income grew 2% to $182.2M, with a stable net interest margin of 3.83%; core margin expanded to 3.65%.

• Wealth management assets under management reached $3.2B, up 45% year-over-year, with $388M in new organic assets YTD.

• 2026 outlook projects 28–31% revenue growth, adjusted EPS of $2.48–$2.52, high single-digit loan growth, and low to mid single-digit deposit growth.